Closing Chase

[Anonymous]

This has probably been mentioned on this forum before but apparently Chase has credit cards that will never be eligible for customer-initiated CLI.  I have had my Chase card for about 10 months with a measly CL of $400.  I requested a CLI yesterday and was told that I was not eligible for a CLI but that I should apply for another Chase card.  That doesn't make any sense to me.  Anyway, I paid off my account this morning and I'm closing it when it reflects zero.  I thought Chase was a company that would grow with me... boy was I WRONG!

[Anonymous]

Did you specifically ask the CSR or Senior Account Specialist if the card was eligible for increases, EVER????

[Anonymous]

I called the backdoor number listed on this forum and I was told that the card would never be eligible for customer initiated CLI.  Instead, the only increases would be ones from auto review.  I spent 10 months pushing about $1200 through that $400 card.  I always PIF and I even did a BT when I initially received the card. 

I feel like I did a lot of work for nothing.  I was a little upset but I realize that extension of revolving credit is a privilege and not a right.  So all I can do is move on.

[Anonymous]

It has been rumored around here that there are certain Chase cards designated with a no-CLI status for a little while.

However, I believe it was disproved once when someone with such a card was able to get a CLI via the back door/recon number. Have you given that a shot?

[Anonymous]

Yeah, did you try to get a supervisor on the phone??

[Anonymous]

Once I found out yesterday that I was denied for the CLI, I called the backdoor number and the account specialist told me that my card wasn't eligible.  She also recommended that I apply for another Chase card.

I called customer service this morning and the representative told me that they DO NOT have cards that are not eligible for a CLI but would transfer me to a Credit Specialist.  The credit specialist then told me that in fact my card was not eligible for "customer-initiated" CLI.  I would be eligible for the auto-generated CLI.  I asked her how long does that take and she said that it is auto. 

I hope that answered your question FretlessMayhem

[Anonymous]

What is the harm of opening another account with Chase.  Have your scores changed much since you received this card??  If they have, then they may issue another card with a higher limit. 

[Anonymous]

Why not keep it and look for auto-CLI down the road?  Do you think you could get a higher limit if you were to apply for a brand new Chase card today?

[Anonymous]

Yeah, dont let them chase you out the door.

[Anonymous]

There is really no harm in applying for another Chase card.  It is just the fact that I don't want another credit card.  I have 4 right now and that is more than enough for me.  I have a ton of inquiries from my mortgage, utilities, and savings accounts.  Nonetheless, If I had known that I couldn't request a CLI from Chase, I would have applied with a different company.  In terms of my scores.  My FICO scores have drastically increased since I started working and paying off my debt incurred from graduate school.  I'm currently at EQ-706, EX-696, and TU-701 (these are ficos from this site except equifax which is from score watch).